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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,001 | $91,198-85.7% | $178,503-92.7% | $79,856-83.7% |
| Participation rate | 67.4% | 69.2%-1.8pp | 81.9%-14.5pp | 69.6%-2.2pp |
| Annual return | 13.82% | 24.20%-10.4pp | 151.12%-137.3pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,043 | $3,257-68.0% | $5,011-79.2% | $2,471-57.8% |
| Participant deferral / active EE | $1,529 | $3,237-52.8% | $5,202-70.6% | $3,741-59.1% |
| Admin fee / account holder | $1,919 | $6,748-71.6% | $13,987-86.3% | $5,306-63.8% |